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Cheapest 2005 Volkswagen Passat Car Insurance (Jan 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2005 Volkswagen Passat
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R.E. Fulton
Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does car insurance cost for a 2005 Volkswagen Passat

The average cost of car insurance for a 2005 Volkswagen Passat is $1,092 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2005 Volkswagen Passat are 31% less
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2005 Volkswagen Passat, use
Jerry
to get a detailed
car insurance price comparison

Compare the cheapest 2005 Volkswagen Passat car insurance quotes

Thousands of smart Volkswagen Passat drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $1,284 per year on car insurance. Below are cheap quotes Jerry found for 2005 Volkswagen Passat drivers.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
January 4, 2024
2005
Volkswagen Passat GLS
Infinity
$117
• State Minimum Liability
January 1, 2024
2005
Volkswagen Passat GLS
Allstate
$105
• State Minimum Liability
December 31, 2023
Bristol West
$109
• 50,000/100,000 Liability
December 30, 2023
2005
Volkswagen Passat GLX 4motion
Progressive
$63
• State Minimum Liability
December 25, 2023
Clearcover
$96
• 100,000/300,000 Liability
coverageLast Updated Jan 13, 2024
However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates.

The best car insurance companies for 2005 Volkswagen Passat owners

There’s no best company for all 2005 Volkswagen Passat drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. 
Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well. 
The table below shows how 2005 Volkswagen Passat drivers rated different insurance companies in these three categories, as well as overall.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Average 2005 Volkswagen Passat insurance costs

From working with lots of 2005 Volkswagen Passat drivers, we found that the average cost of minimum liability coverage is $91 per month, or $1,092 per year. The average cost for full coverage insurance for 2005 Volkswagen Passat drivers is $135 per month or $1,620 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$91
$1,092
Full coverage
$135
$1,620
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of
liability insurance
. In some states,
uninsured/underinsured motorist coverage
and/or
personal injury protection
are also required by law. 
Full coverage car insurance
, on the other hand, includes
collision
and
comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more.

2005 Volkswagen Passat insurance costs by trim level

The cost of car insurance for a 2005 Volkswagen Passat is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
Car Model & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
2005
$135
$130

How expensive is 2005 Volkswagen Passat insurance compared to other years?

Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage. 
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old. 
The table below compares the average insurance cost of a Volkswagen Passat manufactured in 2005 with that of the four closest model years.
CarMinimum CoverageFull Coverage
1999 Volkswagen Passat
$77
$114
2000 Volkswagen Passat
$77
$183
2001 Volkswagen Passat
$84
$171
2003 Volkswagen Passat
$100
$175
2004 Volkswagen Passat
$86
$239
2005 Volkswagen Passat
$91
$135
2006 Volkswagen Passat
$105
$164
2007 Volkswagen Passat
$77
$139
2008 Volkswagen Passat
$70
$139
2009 Volkswagen Passat
$98
$213
2010 Volkswagen Passat
$90
$204
2012 Volkswagen Passat
$101
$178
2013 Volkswagen Passat
$92
$186
2014 Volkswagen Passat
$103
$180
2015 Volkswagen Passat
$94
$189
2016 Volkswagen Passat
$100
$204
2017 Volkswagen Passat
$105
$189
2018 Volkswagen Passat
$90
$199
2020 Volkswagen Passat
$101
$201
2021 Volkswagen Passat
$136
$254
2022 Volkswagen Passat
$74
$249

Are 2005 Volkswagen Passats expensive to insure? 

On average, car insurance for a 2005 Volkswagen Passat costs $91. Compared with other models in a similar price range, it costs 31% less to insure a 2005 Volkswagen Passat.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2005 Subaru Impreza
$77
$124
2005 Kia Sedona
$78
$178
2005 Volkswagen Passat
$91
$135
2005 Mazda Tribute
$102
$153
2005 Mitsubishi Endeavor
$106
$183
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.

2005 Volkswagen Passat
NHTSA safety ratings

Rating TypeRating
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)
Side - Pole Barrier combined (REAR)
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)